AI-Powered Financial Identity
Your Behavior Is
Your Credit.
No bank account? No credit history? No problem.
CreditPassport turns your mobile money activity into a universal credit score —
giving you access to loans, financial products, and opportunities you deserve.
Comprehensive Financial Services
One platform for consumers, lenders, and financial institutions to understand and act on real financial identity.
AI Credit Scoring
Our machine learning engine analyzes your mobile money transactions across MTN MoMo, Telecel Cash, and AirtelTigo to produce a 300–850 credit score. Updated in real time as your behavior changes.
- Transaction volume & regularity analysis
- Income/expense ratio tracking
- Payment behavior patterns
- Merchant & bill payment history
SMS & OCR Ingestion
Automatically parse mobile money SMS notifications or upload screenshots. Our OCR engine extracts transaction data accurately across all major Ghanaian networks.
- Automatic SMS scanning (Android)
- Screenshot OCR upload (iOS & Android)
- Manual statement paste
- Duplicate-safe deduplication
Loan Marketplace
Instantly see all loan offers you qualify for based on your CreditPassport score — from micro-lenders to major financial institutions, sorted by best terms for your profile.
- Real-time offer matching
- Fido, Branch, MTN Qwik Loan & more
- Lock/unlock based on score
- One-tap application
Financial Coaching
Personalized, actionable tips to improve your score over time. Understand exactly which behaviors are holding your score back and what to do about it.
- Score band–targeted advice
- Spending pattern insights
- Goal-setting tools
- Progress tracking
Lender API (B2B)
Integrate CreditPassport scores directly into your credit decisioning workflow. Access verified financial identity data with enterprise-grade reliability and compliance.
- REST API with JWT auth
- Batch scoring for portfolios
- Webhook score-change alerts
- Compliance audit trail
Score History & Reports
Full 12-month score history with trend visualization. Understand how your financial decisions affect your credit identity over time with detailed breakdowns.
- 12-month score timeline
- Component breakdown charts
- Exportable reports for lenders
- Score change notifications
Your Score in 3 Steps
Get your CreditPassport score in minutes — no paperwork, no branch visits, no bank account needed.
Link Your MoMo
Connect your MTN MoMo, Telecel Cash, or AirtelTigo account. We use SMS data or OCR screenshots — no passwords ever required.
AI Analyzes Your Data
Our ML engine processes your transaction history — volume, regularity, income patterns, merchant activity — across 90-day rolling windows.
Unlock Your Score
Receive your CreditPassport score (300–850), see matched loan offers, and get a personalised roadmap to financial growth.
Data We Analyze
Why CreditPassport?
The first universal financial identity platform purpose-built for markets where mobile money is the primary financial infrastructure.
Build Credit Without a Bank
Your mobile money history is your credit history. No bank account required. We see the financial you that traditional credit bureaus completely miss.
Your Data, Your Control
You own your data. We only process what you explicitly consent to, and you can revoke access at any time. Fully compliant with Ghana's Data Protection Act.
Unlock Real Loan Offers
Immediately see loans you actually qualify for. No more wasted applications or humiliating rejections. Your score opens doors in real time.
Watch Your Score Grow
Understand exactly what affects your score. Follow personalised tips and watch your financial identity strengthen month over month.
Score in Minutes, Not Days
Traditional bureau checks take days. CreditPassport generates your score in real time — the moment you link your account. No waiting, no paper forms.
100% Free for Consumers
Checking your score, seeing loan offers, and getting tips is always free. We earn referral fees only when you choose to apply for a loan — no hidden charges.
CreditPassport vs. Traditional Bureaus
| Feature | CreditPassport | Traditional Bureau |
|---|---|---|
| Bank account required | ✓ No | ✗ Yes |
| Score in real time | ✓ Minutes | ✗ Days |
| MoMo data included | ✓ Yes | ✗ No |
| Consumer cost | ✓ Free | ✗ Paid |
| Score improvement tips | ✓ Included | ✗ Not offered |
| Loan marketplace | ✓ Built-in | ✗ Separate |
About Datalink Analytix
Datalink Analytix was founded on a simple conviction: financial exclusion is a data problem, not a people problem.
Millions of hardworking Ghanaians pay their bills, send money to family, and run businesses entirely through mobile money — yet remain invisible to the financial system that could help them grow. They have rich financial histories. They just don't have the right format.
We built CreditPassport to change that. By combining AI-driven feature engineering with behavioral finance research, we translate the financial language of mobile money into a universal credit identity that every lender, bank, and financial institution can understand and trust.
Our team combines expertise in machine learning, mobile financial services, and regulatory compliance — with a deep cultural understanding of the markets we serve.
Trust & Privacy
Consent-first. You control your data always.
AI Precision
Models trained and validated on real transaction patterns.
Africa-First
Built for MoMo-driven markets from day one.
Compliant by Design
Ghana DPA, BoG guidelines, ECOWAS alignment.
"Every person with a mobile phone deserves a fair financial identity."
— Datalink Analytix MissionWhat Makes Your Score
Your CreditPassport score is calculated from multiple behavioral dimensions — every one explainable, every one improvable.
On-time bill payments, airtime top-ups, and merchant payment consistency. The most heavily weighted factor in your score.
Regularity and predictability of incoming funds — salary-like patterns, recurring inflows, and income-to-expense ratios.
Total transaction count, average values, and activity frequency across 7-day, 30-day, and 90-day rolling windows.
Payments to vendors, merchants, and service providers signal commercial activity and economic participation.
Use of multiple telecoms and payment channels demonstrates broader financial engagement and resilience.
Frequently Asked Questions
Everything you need to know about CreditPassport. Can't find the answer? Contact our support team.
Yes. Checking your credit score, viewing score history, accessing financial tips, and browsing loan offers are all completely free for consumers. We earn revenue through referral commissions only when you successfully apply for a loan through our marketplace — never from you directly.
Our AI engine analyzes your mobile money transactions across multiple time windows (7-day, 30-day, 90-day, and full history). It extracts 25+ behavioral features including payment frequency, income stability, transaction regularity, bill payment history, and merchant activity. A trained Gradient Boosting model converts these features into a 300–850 score, consistent with international credit scoring standards.
We currently support MTN Mobile Money (MoMo), Telecel Cash, and AirtelTigo Money. On Android, we automatically scan your SMS inbox. On iOS, you can upload screenshots of your transaction history or paste SMS text directly. More networks and countries are coming soon.
Absolutely. We use bank-grade TLS encryption for all data in transit, AES-256 encryption at rest, and JWT-secured API authentication. We never ask for your MoMo PIN or wallet password. Data processing is fully compliant with Ghana's Data Protection Act. You can revoke consent and request data deletion at any time by contacting privacy@datalinkanalytix.com.
The app provides personalized tips based on your specific score band. In general: pay bills on time, maintain regular income inflows, use your MoMo wallet frequently for diverse transaction types, and pay merchants regularly. Scores are recalculated continuously, so improvements in behavior show up quickly — often within days.
Yes — that's exactly who we built this for. CreditPassport works entirely on mobile money data. No bank account, no credit card, no formal banking history required. If you have a mobile money account with at least a few months of activity, you have a CreditPassport score.
Financial institutions and fintech lenders can integrate our scoring API directly into their credit decisioning systems via REST API with JWT authentication. We provide full score breakdowns, 25+ behavioral features, score history, and webhook notifications. Contact our business team at the form below to request API documentation and a demo environment.
Your score updates automatically every time new transaction data is ingested — either through automatic SMS scanning, a new screenshot upload, or a manual data sync. The score history tracks all changes over time, so you always have an accurate view of your credit trajectory.
Start Your Financial Journey
Whether you're an individual looking to understand your financial identity, a lender seeking better credit signals, or a partner interested in API integration — we'd love to hear from you.